I enjoyed the owning my wallet piece, particularly the part regarding PayPal. I worked alongside PayPal in 2006 when my company helped them launch PayPal Mobile and Text2Buy. I think they were partially looking for mobile phone authentication to replace the email component because most folks don't give out fake cell #'s. IMHO, my wallet will go to the company with the strongest form of authentication. I say this because simple is good but secure is better. And at the end of the day banks don't like CNP (card not present) transactions as much as card present. So, I thhink it is eminent that we will see a service that blends a service like twitter with a payment method like paypal or Obopay. Been wondering why a payment service like PayPal has not a made a play at a SNS yet???